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BY SIGNING BELOW, Borrower accepts and agrees to the te7and covenants contained in this Adjustable <br />Rate Rider. // / <br />(Seal) <br />P. KIRBY - Borrower <br />_(Seal) <br />- Borrower <br />(Seal) <br />- Borrower <br />MULTISTATE ADJUSTABLE RATE RIDER (LIBOR Index) -- Single Family— Freddie Mac MODIFIED INSTRUMENT Form 3192 1 /01 (page 3 of 3 pages) <br />